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Credit Rating

See up to 7 types of Credit Ratings and Credit Scores - FREE with every report

You don't have just one Credit Rating, or one Credit Score - most lenders will score you independently using a completely different credit scorecard. Even the scorecards used by credit reference agencies are completely different. At checkmyfile we cut through all of these issues by using the same scorecard for all purposes. This is the only way to compare how you rate at each agency.

Your checkmyfile Credit Score based on the data seen by lenders

You don't have a single Credit Rating or single Credit Score, as every lender assessing your creditworthiness uses a different scorecard. By using the benchmark checkmyfile scorecard we use your full credit file at Callcredit and Equifax to give you a good idea of how a typical lender will rate you.

Only Lenders can see your full credit file

When your employer or landlord checks your credit history, they can only see a small part of your credit file - just the Electoral Roll and Court Record sections.

Compare your checkmyfile Credit Rating with that of your neighbours

Here the checkmyfile Credit Rating and Credit Score are based on the publicly available Court Records of all people in your neighbourhood. Are you better or worse than your neighbours?

See why you might be falling at the first hurdle

Before actually checking your credit report, many lenders "pre-screen" you using an application score. This uses the information you give on a typical credit application form, with no input from your credit file.

Understand the impact of your Credit Ratings

Find out how your Credit Ratings and Credit Scores will affect your ability to get credit, rent a property or get a job. Nowadays, your Credit Rating and Credit Score impact on many different aspects of your life, and not just those relating to credit matters.

See how you compare to the rest of the UK

Compare your checkmyfile Credit Score against the UK average over the last 12 months - understand where you sit in the wider scale. Just like your own checkmyfile Credit Score, the average moves over time.

Visualise the good and bad elements of your Credit Rating

Our interactive scales show you the good and bad parts of your credit file that have been used to calculate your checkmyfile Credit Scores. See which elements are helping to boost your score, and what might be dragging it back.

Get detailed help on every input to your Credit Rating

Simply click on the weights on the scales and see why it impacts on you, and what you can do about it.

Quickly compare Callcredit and Equifax data

Many people don't realise that their credit files are different at each agency. Typically one of your credit accounts will be reported to one agency and not to another, and this will affect your Credit Score.

Track checkmyfile Credit Scores over time

As the contents of your credit file changes, so does your Credit Scores, and if the changes are big enough, your Credit Rating will change too. Our bar chart makes it easy to see how your checkmyfile Credit Score has changed over time.

Check your Credit Score historically

Simply roll your mouse over any bar on the graph and see the checkmyfile Credit Score that has been calculated, based on your file at that point in time, for each credit reference agency. You can also look back in time.

We're the most experienced provider of online Credit Scores

We were the first company to lift the lid on credit scoring over 10 years ago, and we currently provide in excess of 10 million Credit Scores every year. Our Credit Scorecard is very similar to that used by the largest lenders in the UK - it was built by the same professionals who supply scorecards to major household names.

We take an honest, impartial view of your creditworthiness, and present it to you in simple terms, with plain English explanations on all parts of the scoring process.

To access to your Credit Report instantly, you must answer our authentication questions correctly. If you're unsuccessful, we'll send you a code by first class post to ensure you still get prompt access. Multi Agency Credit Reports use data from Callcredit, Equifax and Experian at different levels - learn more above.

The checkmyfile Multi Agency Credit Report is by far the most detailed Credit Report sold in the UK.

Customer Feedback

Brilliant service, straightforward with no hidden charges like other sites

MH March 2015

Fantastic site with a full break down much better than [competitor] or [competitor], just try it for yourself and you will see!

NH March 2015

Thank you for a great service. You have helped me when I needed it the most.

PM March 2015

Fantastic customer service!

TA March 2015

This has been a fantastic, helpful service and a pleasure to use. I will recommend it highly to friends and family.

AL February 2015

Excellent Service. 10/10

AM February 2015

What a fantastic service you guys provide

AT February 2015

Excellent Service A+++++++

BO February 2015

I have used [competitor] before and found your website much better as there was a lot more information

CH February 2015

I currently subscribe to [competitor], which I will cancel and then return to you as your product is far superior

MG February 2015

Fantastic service with all you need to know! A++++++

RC February 2015

Previous user of [competitor]. Much better service and clearer, was a pleasure using look forward to using again next year.

SH February 2015

A very useful service and the responses on the Secure Messaging service have been excellent - prompt and very helpful

SS February 2015

Absolutely amazing site. Very use friendly and helpful customer service. I can be quite difficult to impress but this company has done it with ease

AW January 2015

Great service and excellent support by the team on my queries, I’ll definitely be back when I need your services again. Your service is better than the other service providers in this field

DP January 2015

Excellent service!!!! AAAAAA++++

JB January 2015

This is by far the easiest of the credit report companies that I have used. Very clear and to the point with easy tabs and far more detail that the others.

SO January 2015

I'm glad I used this service. I now have peace of mind and know where I stand financially

AA December 2014

I have tried the 5 main reporting sites and this is the best

AJ December 2014

This is a great service. Better than [competitor]

AN December 2014

I will recommend this site to everyone I know, easy to navigate and easy to use free trial! I have always been wary of free trial offers but your no nonsense, no questions asked and no hard sell policy will definitely bring me back here. A breath of fresh air. Congratulations!

AV December 2014

Much better experience than [competitor]. Will be back

CA December 2014

I found the layout of the site, the content of the information and the PDF personalised report brilliant and I have used other sites but this is by far the easiest to understand

CF December 2014

Fantastic service and very easy to understand

DB December 2014

Wonderful service - without this I would not have been able to get my mortgage approved

DD December 2014

Great service - helped me get the mortgage I was looking for, 10/10

GR December 2014

This is the most informative of all the credit agency websites

JE December 2014

A big thank you for your fantastic service which has helped me sort out my finances. Also I found your website very easy to use and understand

JF December 2014

The advice given by the advisors is excellent and very prompt. Much better value than other providers and a better service

JH December 2014

Excellent service will definitely use again. Message centre is excellent all my questions and queries were dealt with very promptly and professionally

JJ December 2014

The service received with this site has been fantastic compared to [competitor 1] and [competitor 2]

KJ December 2014

Excellent service, It found things on an old address that [competitor] didn’t find

Checkmyfile has been the best credit agency I have used due to your very detailed reports and one click away to prompt help

ON December 2014

Fantastic service! Told me exactly what was on file and in a way I could understand

CK November 2014

Checkmyfile has been brilliant at helping me raise my credit score

CM November 2014

Best credit checker by miles and I will recommend this to everyone

DD November 2014

Thank you for your helping me to deal with an inaccurate record that had been logged onto my credit file. You supported me and gave me invaluable advice to get this corrected

DH November 2014

Absolutely brilliant site - well planned out and easy to read

KD November 2014

Your service has been fantastic, I would not hesitate to use you again in the future and I will be recommending your website to my friends and family

LS November 2014

The best credit report I received :) am impressed as to how comprehensive the report was and the information was presented in a very user friendly way and easy to understand. I will definitely come back

PG November 2014

The level of customer service with checkmyfile has been excellent

AC October 2014

Will be back again as you're the best! Thanks for such a seamless, professional and above all non-scary service.

BD October 2014

Very good value and clear format with helpful, rapid support when not sure how to get errors amended

CE October 2014

Your service is better than [competitor] and cheaper for more info

DW October 2014

One of the best sites I’ve used

HK October 2014

I must say that checkmyfile has been most helpful and revealing about these matters, much better than [competitor] which seemed to concentrate on extracting more money

IC October 2014

Your service is extremely good, accurate and fast

ID October 2014

This service is brilliant! I'll definitely be recommended it to anyone that needs to check their financial information

KP October 2014

I think your service is fantastic and am very impressed with the quality and thoroughness of your reports. Also with the speed at which I could access my information. I also registered with [competitor] and had to wait 5 days for a PIN before I could use the service. I didn't bother at the end of the day as the information you had instantly provided was so comprehensive.

KW October 2014

A very straightforward user friendly site that I will be sure to recommend to family and friends

RB October 2014

Your reports are easy to understand, informative and well laid out

RC October 2014

Great website - a really helpful tool. Honest, friendly and accurate

RK October 2014

I found check my file a great help with my credit scoring and other credit issues I had. A five star service

SH October 2014

An excellent service, very easy to understand and use. Would certainly recommend

WD October 2014

The information you supplied was far superior than any other I’ve used

AP September 2014

I am really surprised at how pleasant everyone is - everything is usually such a nightmare these days with stressed out staff unable to do anything because 'the computer says no'!! Amazing and so refreshing to find a company with staff who can actually help and say 'yes'. A pleasure to deal with your company, thank you.

AW September 2014

The service has been great and has been a life saver for me. It’s helped me keep an eye on my credit score during a bad period. Being able to print off parts of the report for prospective tenants to show I’ve managed to stay capable of paying my bills has prevented me from becoming homeless.

BL September 2014

Fantastic service, will never use any other credit reporting facility

ED September 2014

This is a fantastic service and I appreciated the opportunity to have a free trial to see what this was about. The website and user interface are very easy to use and intuitive to navigate. The information truly is multi agency and very comprehensive. Five stars!

HV September 2014

Great site, is clear and concise and provides a great visual overview that is well informed and easy to work with

JM September 2014

Awesome service. Helped me see what was wrong and right with my credit score... and very accurate too.

OA September 2014

Your pricing is much better than the other credit agencies. Your site is very easy to navigate and provides the information in an easy to read format. Your customer service is brilliant!

CP July 2014

Thank you for your help, it has been really good and your customer advisors are excellent

GM July 2014

Your website is so easy to use. Brilliant! You should win an award for your product.

JR July 2014

Outstanding customer service

MD July 2014

Amazing website - so much better than [competitor]

NM July 2014

I found this service to be really helpful, informative and straight to the point - I particularly appreciated the comparisons to other agencies

OO July 2014

You have built a market leading service which is, in my opinion, far superior to any other provider.

SM July 2014

The service was first class, an excellent site

SP July 2014

Really good service, and very helpful. Best credit report service I have used

ZO July 2014

Your 30 day trial has been most useful and much more comprehensive than other credit checks I have

AS June 2014

Brilliant service, quick and easy and extremely useful

BS June 2014

Excellent service, very easy to use and helpful information

CW June 2014

Your service is excellent and needs no improvement

DD June 2014

I found using this site very helpful and the advisers handled any queries I had very efficiently and professionally. I would highly recommend using checkmyfile

DR June 2014

What a fantastic and helpful team you are. I will have no hesitation in recommending you to family and friends. I've no doubt I'll be back. Your service is very accurate and quick and questions were answered in record time! Top marks.

FC June 2014

Excellent service, very easy to use and helpful information

KL June 2014

This is a great service. Very detailed

MM June 2014

I must say I was most impressed with the helpfulness of the lady who answered my call. The service is absolutely brilliant and information on file is great and up to date. Checkmyfile is way ahead of the other companies!!

MP June 2014

Thank you for your invaluable service. The free trial has been incredibly useful as it has shown me my credit rating as being 'excellent', whereas I thought it wasn't so good! This has enabled me to apply for a new mortgage to move home shortly. Your website is easy to use and to understand. I will be recommending your site to friends.

MS June 2014

Absolutely brilliant. I was able to find a credit card which I wasn't declined for - thanks once again!

NK June 2014

It’s very rare that companies make it this easy to get in contact

SM June 2014

First class service

DJ May 2014

The services you offer are exemplary. Very detailed and comprehensive. Can't fault it.

JC May 2014

The service throughout has been excellent and the information given from your representatives has also been extremely helpful in aiding me with my finances and helping me get back on track!

JE May 2014

Thank you very much for all the help this information has gave me in order to turn my life financially around. I will certainly use your services again in the future to check how my repayments are reflected in my score.

KB May 2014

A great site. Everything is laid out very clearly. Great source of information.

LS May 2014

This site is fantastic and very helpful. It’s amazing value for money

NT May 2014

I found your web site and the assistance offered by your people to be top notch and very professional

RF May 2014

Nice site - very clear and easy to navigate

RS May 2014

I have found you to be a very good organisation, you have been very speedy to respond to queries and I thoroughly recommend you

SF May 2014

You are better than others in the market by far

DB April 2014

Having used [competitor 1] and the [competitor 2] equivalent in the past, I found this report outstanding. It was very easy to see all of my information, especially the fantastic graphs

DC April 2014

Great service, really helped me get my new mortgage

DR April 2014

I think your service is fantastic, and I have recommended you to a number of other people

EW April 2014

Staff were very helpful, well informed and courteous, and the site is easy to understand and navigate

KI April 2014

Great service and will recommend to friends

LM April 2014

The service I received was excellent and the site is a joy to use compared to [competitor 1] and [competitor 2’s] dull affair

MG April 2014

The service is great as it gives you an overview of what the 3 main credit reference agencies hold on you

MJ April 2014

You helped me immensely by giving me the right info for removing my brother's data off my credit report!

MP April 2014

You are all very helpful and the service you provide is brilliant :)

NE April 2014

Thank you for a fuss free service, I will definitely use again

EJ March 2014

Great service, value for money. Quick response to queries

EW March 2014

I have used services from both [competitor 1] and [competitor 2] in the past and I have to say that this is the best I have come across, easy to use and very easy to understand

IM March 2014

Excellent service. Thank you for assisting in correcting errors in my credit report

KE March 2014

Recommended by my financial advisor as it is comprehensive. I agree with him 100%, an easy-to-use crystal clear site

LD March 2014

Many thanks for the great assistance provided by your team, really excellent, is the first time in many years I have seen such efficient customer care and service. Well done to you all!!!

MC March 2014

The service has been excellent, easy to use and very informative

PK March 2014

Has been a brilliant service and helped me to obtain the mortgage I needed

SC March 2014

I really like your site, it's miles better than [competitor 1] and [competitor 2]

SH March 2014

No doubt you are the best as I have used other credit reference agencies in the past. ***** star on your report presentation

AK February 2014

Many thanks for the superb service you provide, I love the way your site is so intuitive and easy to navigate, and the way it appears 'friendly' and not overly text-heavy

BD February 2014

I'm loving this, finally someone who can help me and someone who I don't feel embarrassed to discuss it with

EM February 2014

I have found your service to be market leading

GH February 2014

Fantastic site, very clear and lots of helpful information!

JD February 2014

You and your colleagues have all been fantastic. This has been a very stressful time for me which has been relieved somewhat by the speed of your responses along with the level of detail

JS February 2014

Service has been impeccable during my time here, with staff proving very helpful with any queries

JT February 2014

Your service is great value and provides more information than all the other providers

MR February 2014

I would highly recommend this service...Excellent *****

RW February 2014

This service is very good and easy to read and understand, far better than [competitor]

SF February 2014

This is the best credit checking service I have used, very simple format and easy to understand. Very quick responses via your help team A* service would definitely recommended

YJ February 2014

I think your site is the best credit reference agency I have ever used. It is extremely easy to use.

CH January 2014

Very helpful, detailed and professional service! I will be returning in the future to use these services again as I feel this is the best credit report site I have ever used!

DD January 2014

In the time I have used your service, I received excellent customer service and practical advice and I have seen an improvement to my credit score which has helped a great deal. This is the best credit site I've used.

DH January 2014

I must say - this is a fantastic website compared to the usual [Competitor 1] and [Competitor 2] choices!

EM January 2014

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Lowest Price Guarantee

We want you to purchase from us with peace of mind that you are getting the very best value for money and that you know exactly what you are spending.

But we know that sometimes our competitors make special offers, so if you buy from us and find that you could have bought cheaper elsewhere, just log on within 2 days of your purchase and send us a Secure Message, giving us full details and the URL of the website concerned. Once we've verified the price, we'll refund the difference - subject to the conditions below.

Conditions of the Lowest Price Guarantee

To qualify, the product must be substantially similar to our online credit reports and must include all of the benefits that we provide routinely. This offer is limited to one refund per person and is not transferable.

It's really easy to buy from us

We take the absolute minimum of personal details that we need to order your Credit Report. We don't ask you for your telephone number, or mother's maiden name.

You can pay from the widest choice of payment mechanisms available. Our prices are clear and upfront - and where you have a choice of payment frequency, the default is always the cheapest option.

To make sure that we only provide your Credit Report details to you, before we can give you instant online access we try to authenticate you by asking you a series of questions that only you should know the answers to. Should you fail, we send a special code to you by First Class Mail so you can access your Credit Report the next working day.

Once you've seen your Credit Report, any questions you have will be welcomed by our professionally qualified Credit Analysts - you can contact us on our Freephone number, by email or using our Secure Message system, as you prefer.